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Net Worth Calculator

Add up all your assets and liabilities to see your total net worth at a glance.

Net Worth
$235,000.00
Total Assets
$520,000.00
Total Liabilities
$285,000.00

Assets

$520,000
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Liabilities

$285,000
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Assets vs Liabilities

Asset Breakdown

Checking & Savings$15,000
Investment Accounts$50,000
Retirement (401k/IRA)$80,000
Home Value$350,000
Vehicle$25,000

What Is Net Worth?

Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). It's the single most comprehensive measure of your financial health — more meaningful than income alone, because it accounts for savings, investments, debt, and property.

Average Net Worth by Age

According to Federal Reserve data, the median net worth for American households varies significantly by age: under 35 it's around $39,000, ages 35-44 about $135,000, ages 45-54 roughly $247,000, ages 55-64 approximately $364,000, and 65-74 about $409,000. Knowing where you stand relative to peers can help set realistic goals.

How to Increase Your Net Worth

  • Pay down high-interest debt first — credit card debt at 20%+ APR is the biggest drag.
  • Maximize tax-advantaged accounts — 401k match is free money; Roth IRA growth is tax-free.
  • Build equity through homeownership — mortgage payments build wealth; rent does not.
  • Invest consistently — even $500/month in index funds grows to significant wealth over decades.